RollinThundr wrote on May 12, 2012, 16:30:At the expense of removing any consequence or urgency. "Oh that skill doesn't work? Just swap it out"

Swapping abilities still has a cooldown. They've tweaked it here and there (it used to be something like a minute, now it's only like 10 seconds), but you can't just hotswap abilities in the middle of combat and expect to be OK.

I actually preferred the system that they had early in the beta where you could only swap abilities at 'shrines' in town and at the beginning of each dungeon. This gave more of a sense of permanence, and required the player to plan ahead before venturing forth, while still maintaining the benefits of the 'unified' skill system. But it's still better than, "Oh, that skill doesn't work? Better delete and start over from the beginning."

They've also introduced the Nephalem Valor buff to encourage balanced builds. Basically, as you kill elites/champions your MF chance increases, so long as you don't die and don't swap skills. They've repeatedly said the best method of getting loot is targeting champions and elites, with a boss at the end of the run.

This was the first link I found, also seems that the buff doesn't kick in until level 60. Nephalem Valor